Private Banking

Patrimonial Lending Officer

A customised loan

The role of a Patrimonial Lending Officer is to create a loan solution which meets all your needs and is adapted to your asset structure. The Patrimonial Lending Officer will work to secure favourable and flexible loan conditions. Laurence Detournay talks about her role and the advantages that a Private Banking or Wealth Management customer can draw from this type of set-up.

"When needed, the Private Banker or Wealth Manager can call on a team of experts which includes the Patrimonial Lending Officer. We are specialists in the various types of loans offered by BNP Paribas Fortis and able to offer favourable solutions, beyond those that are often considered from the outset. Like other experts, a Patrimonial Lending Officer analyses each situation individually to best meet the client's specific needs."

"The Patrimonial Lending Officer will explain the advantages of a loan, including tax-related benefits."

The mission of a Patrimonial Lending Officer

"During a meeting organised by your Private Banker or Wealth Manager, you will set out your plans, requirements and expectations. We will ask asset- and tax-related questions and explain the advantages of a loan, including tax-related benefits. Based on that we find the most suitable loan solutions. This discussion will always be in consultation with your appointed banker, your main contact within BNP Paribas Fortis Private Banking & Wealth Management."

A wide range of solutions

"In search of an optimal solution, the Patrimonial Lending Officer will listen to your needs both as a natural person as well as a legal entity (asset management company). These can range from property purchase, renovations, inheritance, gifts, loans to family, advances to a corporation or purchasing a car. Depending on the purpose of the loan and the guarantees provided, the Patrimonial Lending Officer will suggest various tailored loans, ranging from classic offers (mortgage, temporary loan, investment loan etc.) to more specific ones, such as financing a yacht with the Private Flexible Loan reserved exclusively for BNP Paribas Fortis Private Banking & Wealth Management customers. As a Private Bank customer, you will enjoy preferential rates on these loans."

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